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What's Better Than Earning 20% on HBD Savings? by magnacarta

View this thread on: hive.blog |  peakd.com |  ecency.com
hive-167922 · @magnacarta ·
$11.65
What's Better Than Earning 20% on HBD Savings?
<center>
![What's Better Than Earning 20% on HBD Savings? Doing That While Also Earning LP Rewards on SWAP.HBD at Tribaldex](https://images.ecency.com/DQmSHYpdDcYqFkq29zBQY9EX85TXeBa8YmGQjo1MDGE67Ai/hbd20.png)
</center>

What's Better Than Earning 20% on HBD Savings? Doing That While Also Earning LP Rewards on SWAP.HBD at Tribaldex (and BeeSwap).

***

<center>
<i><sup>Cover Image made using HTML and CSS, with light edits made using MS Paint.<br />HBD logo comes from [Coinpaprika](https://coinpaprika.com/coin/hbd-hive-backed-dollar/).<br />SWAP.HBD logo comes from Tribaldex</sup></i>
</center>

***

## Hive-Based Dollar (HBD) in 2022Q1

During early days of 2022, the APR for HBD _**kept in Savings**_ was raised to 12%.  This was a big deal, especially since the APR for a Savings account at a traditional bank is literally trivial or nonexistent.  For people who had HBD, putting it in Savings was the thing to do.

Just days ago, in early April, the Witnesses reached consensus on raising the APR for HBD _**kept in Savings**_ from 12% to 20%.  If a 12% APR on HBD in Savings was a big deal, then what's a 20% APR?

| πŸ‘€ Note πŸ‘€ |
| --- |
| This cannot be stressed enough.  The 20% APR applies to HBD _**kept in Savings**_.  HBD kept in "Checking" or the regular wallet doesn't qualify for the 20% APR.  HBD stored anywhere else does not qualify for this APR. |

## Can It Get Better?  Yes!

For many Hivers, HBD was just an afterthought.  It was something we earned along with Hive Power when we received upvotes as both authors and curators.  For many of those Hivers, HBD was something to be converted to HIVE to then be powered up as Hive Power.  This is especially so for new Hivers and Hivers focused on building up their HP.

However, the increase in APR from 12% to 20% for savings-based HBD is causing many Hivers to consider HBD as a viable income-generating vehicle even if we stop our posting activities to focus exclusively on investing.

<center>_Is there a way to add to the 20% APR for savings-based HBD?  **Yes!**_</center>

**Contribute liquidity to diesel pools featuring SWAP.HBD.**

## Diesel Pools at Tribaldex (and BeeSwap)

The Hive ecosystem offers two access points to diesel pools (another term for liquidity pools):
* [Tribaldex](https://tribaldex.com/dieselpools/pools)
* [BeeSwap](https://beeswap.dcity.io/swap?pools&search=hbd)

At either place, there are 5 diesel pools which offer SWAP.HBD either as the base token or the quote token:
| Base:Quote | LP Rewards? | Rewards Offered | 
| --- | --- | --- |
| SWAP.HBD:SWAP.BUSD | ❌ No | N/A |
| SWAP.HBD:SEED | βœ”οΈ Yes! | πŸ’² SWAP.HBD<br />πŸ’² WINE | 
| SWAP.HBD:CENT | βœ”οΈ Yes! | πŸ’² CENT<br />πŸ’² CENTG<br />πŸ’² SWAP.HBD<br />πŸ’² VIBES<br />πŸ’² LVL<br />πŸ’² WINE |
| SWAP.HIVE:SWAP.HBD | ❌ No | N/A |
| BEE:SWAP.HBD | βœ”οΈ Yes! | πŸ’² BEE<br />πŸ’² LVL<br />πŸ’² WINE<br />πŸ’² PLN<br />πŸ’² BEATCZ |

3 of these 5 diesel pools offer LP Rewards.  Of these 3, 2 offer SWAP.HBD as one of the reward tokens.

To participate in a diesel pool, make half of the contribution in the base token and the other half in the quote token.  For example, if you want to contribute 200 HIVE into the SWAP.HBD:CENT diesel pool, contribute 100 HIVE-worth of SWAP.HBD and 100 HIVE-worth of CENT.

The greater the contributions to the diesel pool, the greater the LP rewards received regularly or daily.

## What To Do with SWAP.HBD Rewards

Since SWAP.HBD is a Hive Engine Layer 2 token like SWAP.HIVE and SWAP.BNB, LP Rewards arrive at the Hive Engine wallet regularly (if not daily).

After enough SWAP.HBD has accumulated (or after the other LP Rewards have been sold for SWAP.HIVE used to buy SWAP.HBD), the SWAP.HBD can be withdrawn to the Layer 1 HIVE Wallet at our favorite blogging front-end.

It will take between 5 and 10 minutes for the SWAP.HBD from Hive Engine to appear in the Layer 1 wallet as HBD.  Once it appears, it can be moved into HBD Savings where it can earn the 20% APR.

## Just My Two Sats

A 12% APR for savings-based HBD was a big deal, so raising the APR from 12% to 20% was a major event.  People who normally didn't do anything with HBD, or for whom HBD was an afterthought, now have reason to use HBD as an income-generating vehicle.  It's been decades since a traditional savings account offered a double-digit APR, and we have it right here on Hive.

Besides earning HBD from upvotes we receive as both authors and curators, we can also earn SWAP.HBD by contributing liquidity to diesel pools via Tribaldex or BeeSwap.  On a periodic basis, we can either widthdraw SWAP.HBD to our HIVE wallets for transfer into Savings, or we can sell the LP rewards to buy SWAP.HBD which we withdraw to the HIVE Wallet to then transfer into Savings.

By placing HBD into Savings, we can earn a 20% APR on that HBD.  If we contribute liquidity to diesel pools-- especially those which offer SWAP.HBD as an LP Reward-- we can make periodic sales of the LP rewards in order to buy SWAP.HBD we can withdraw into our Layer 1 Hive wallets before we transfer the new HBD into Savings.

If you have other, less costly, methods of moving from SWAP.HBD to HBD, feel free to share them as comments.

<center>
![Thank You for Reading.  Keyboard Warriors Wanted.](https://images.ecency.com/DQmU9FU26QYLU8WNWJuPJNqyXVSrwmQ1jjJSy21jDR3Up5v/typing_cat_kbd.gif)
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Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@magnacarta/what-s-better-than-earning-20-on-hbd-savings)
πŸ‘  , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , and 42 others
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@akinolawilly · 
The both looks enticing to me😊, nice postπŸ‘
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@magnacarta · 
Thank you!

Not all diesel pools offer LP rewards, but they are still useful.

Even if you contribute liquidity to a diesel pool unrelated to SWAP.HIVE and earn LP Rewards from it, some of those rewards can be sold off and converted into SWAP.HBD before it ends up in HBD Savings.  This is another way of making your money work for you.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@magnacarta/re-akinolawilly-31y38j)
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@akinolawilly · 
This will help me alot thanks once again for posting this.
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@ballsdeep69 ·
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@ballsdeep69 ·
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@ballsdeep69 ·
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@ballsdeep69 ·
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@failingforwards · 
Cartle is opening up a swap.hbd to hbd path
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@magnacarta ·
$0.09
Thanks for mentioning that.  This is true. @jfang003 told me about this a couple of days ago and [linked to this post by @flauwy](https://leofinance.io/@flauwy/cartelswap-change-hbd-swaphbd-and-hive-swaphive-with-lower-fees-for-cartel-holders).  At the time I was working on my post I hadn't known about `Cartel.Swap`.

More details are at @flauwy's post titled "[Cartel.Swap: Change HBD ↔ SWAP.HBD and HIVE ↔ SWAP.HIVE with Lower Fees for CARTEL Holders](https://leofinance.io/@flauwy/cartelswap-change-hbd-swaphbd-and-hive-swaphive-with-lower-fees-for-cartel-holders)."

At the moment at least, there's no page for Cartel.Swap like there is for diesel pool access via Tribaldex or BeeSwap.  To swap between SWAP.HBD for HBD, just follow the instructions in `@flauwy`'s post (easy enough).

If you OWN 0.000 CARTEL, you just pay the regular TX fees as usual.  If you own 100 CARTEL-- not cheap!-- then the swap between SWAP.HBD and HBD costs the CARTEL holder nothing.  Fees decrease the more CARTEL one holds.

If other groups and tribes can figure out how to do this for their own tokens, they may benefit from the price appreciation of their tokens.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@magnacarta/re-failingforwards-3ha2ff)
πŸ‘  
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vote details (1)
@flauwy ·
$0.02
The Cartel is willing to offer our swap bot as a service to other projects using their own tokens instead of CARTEL, for a cut of the fees. :)
πŸ‘  ,
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root_title"What's Better Than Earning 20% on HBD Savings?"
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post_id112,530,254
net_rshares22,474,470,091
author_curate_reward""
vote details (2)
@ganjafarmer ·
$0.02
Absolutely top-notch content.

And some of these diesel pools do way better than 20%, I'm part of one that is at 500% and so far it's already paid me to get involved with another one where I'm getting 250% return on the liquidity that I put into it so far and every day I just keep adding a little more which is really blowing up the percentages...

Absolutely phenomenal we have this amazing ability to invest.
πŸ‘  ,
properties (23)
authorganjafarmer
permlinkre-magnacarta-2022419t2051208z
categoryhive-167922
json_metadata{"tags":["hive-167922","hbd","swap-hbd","20-percent-apr","20-pct-apr","lp-rewards","tribaldex","hbd-savings","savings","pob","cent","archon","pal","leofinance"],"app":"ecency/3.0.27-mobile","format":"markdown+html"}
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vote details (2)
@magnacarta · 
Diesel pools are a great way for people to get involved in DeFi since they let us "buy and forget" so we can take advantage of passive income generation.  Even a one-time addition of liquidity at a decent size can make a big difference.  If we can add more liquidity to our favorite pools, even better.

The SWAP.HIVE:PLN diesel pool has been very, very good to me, and the other day I made my first planned sale of LP Rewards to add to my CUB holdings.  This was days before the APR for HBD in savings was raised from 12% to 20%.

In the coming weeks I expect to see more diesel pools created where SWAP.HBD is either the base token or the quote token.  On top of that, there will be days where the peg pushes past its established boundaries.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@magnacarta/re-ganjafarmer-6sfpvb)
properties (22)
authormagnacarta
permlinkre-ganjafarmer-6sfpvb
categoryhive-167922
json_metadata{"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@magnacarta/re-ganjafarmer-6sfpvb"}
created2022-04-20 13:51:54
last_update2022-04-20 13:51:54
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net_rshares0
@ganjafarmer ·
$0.02
Hive Pln has paid me to get into blossom bloom as well as flower pln so I'm really excited and absolutely just reinvesting what I've got has really shown me the power of compound interest and managing my own funds.

I actually started that little idea because I had no idea what this was but checking it out it had a liquidity pool and then checking it out originally it had 200% interest while now it is grown into 500% interest I to believe.

Let alone it's also gotten me and investment into another little diesel pool that is starting to grow.

And absolutely it's so addictive as well as really easy I wrote up a way for people to add liquidity to the weed cash hive liquidity pool and my investment went from 25% to 9% overnight... 

Then we start getting more liquidity provider rewards and more people started jumping in.

I am so excited this entire idea has been finally implemented. I was super hoping that that fork would finally allow all of this and it really has. 

I really should have demanded credit and 1%!!!! This was all my idea however I don't have the technology or the knowledge or the capability of making this reality however I would settle completely on no credit however if they made it I would definitely be investing myself!!!

All hail decentralized finance and Diesel pools.

That's just enabled so many people from across the globe to invest and then what about those phenomenal liquidity provider rewards that incentives users to stay in those pools.... 

This is such a world-changing idea. 

Hang on. I think our future looks very amazing indeed...
πŸ‘  ,
properties (23)
authorganjafarmer
permlinkre-magnacarta-rank29
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.04.5"}
created2022-04-20 19:13:24
last_update2022-04-20 19:13:24
depth3
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cashout_time1969-12-31 23:59:59
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vote details (2)
@ganjafarmer ·
$0.02
Oh and LVL is another huge one! Go @psyberx project! Play to earn first person shooter! Here on the blockchain.
πŸ‘  ,
properties (23)
authorganjafarmer
permlinkre-magnacarta-rank40
categoryhive-167922
json_metadata{"tags":["hive-167922"],"app":"peakd/2022.04.5"}
created2022-04-20 19:14:27
last_update2022-04-20 19:14:27
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cashout_time1969-12-31 23:59:59
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root_title"What's Better Than Earning 20% on HBD Savings?"
beneficiaries[]
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post_id112,475,839
net_rshares21,552,486,740
author_curate_reward""
vote details (2)
@goddesseva · 
very nice article! 🧑
properties (22)
authorgoddesseva
permlinkre-magnacarta-2022421t111636667z
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json_metadata{"tags":["hbd","swap-hbd","20-percent-apr","20-pct-apr","lp-rewards","tribaldex","hbd-savings","savings","pob","cent","archon","pal","leofinance"],"app":"ecency/3.0.22-vision","format":"markdown+html"}
created2022-04-21 09:16:36
last_update2022-04-21 09:16:36
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post_id112,491,911
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@hendriwardewa · 
Hive Power, higt the mont..
properties (22)
authorhendriwardewa
permlinkre-magnacarta-2022422t16944357z
categoryhive-167922
json_metadata{"tags":["hive-167922","hbd","swap-hbd","20-percent-apr","20-pct-apr","lp-rewards","tribaldex","hbd-savings","savings","pob","cent","archon","pal","leofinance"],"app":"ecency/3.0.25-mobile","format":"markdown+html"}
created2022-04-22 09:03:54
last_update2022-04-22 09:03:54
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children0
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body_length27
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post_id112,523,255
net_rshares0
@thaddyjac · 
Amazing post
properties (22)
authorthaddyjac
permlinkre-magnacarta-2022423t35746308z
categoryhive-167922
json_metadata{"tags":["hbd","swap-hbd","20-percent-apr","20-pct-apr","lp-rewards","tribaldex","hbd-savings","savings","pob","cent","archon","pal","leofinance"],"app":"ecency/3.0.22-vision","format":"markdown+html"}
created2022-04-23 02:57:48
last_update2022-04-23 02:57:48
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root_title"What's Better Than Earning 20% on HBD Savings?"
beneficiaries[]
max_accepted_payout1,000,000.000 HBD
percent_hbd10,000
post_id112,546,915
net_rshares0
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